Indian Overseas Bank (IOB) is a central public sector undertaking. It is under the ownership of the Ministry of Finance, Government of India. It is based in Tamil Nadu, India, with about 3,214 domestic branches, about 4 foreign branches and representative office. Founded in February 1937 by M. Ct. M. Chidambaram Chettyar with twin objectives of specialising in foreign exchange business and overseas banking, it has created various milestones in Indian Banking Sector. During the nationalisation, IOB was one of the 14 major banks taken over by the government of India. On 5 December 2021, IOB got Degidhan Award 2020–21 by Ministry of Electronics & Information Technology for achieving second highest percentage of digital payment transaction among public sector banks. As on 31 March 2022, IOB's total business stands at ₹417,960 crore (US$52 billion).

Kerala (English: KERR-ə-lə; Malayalam: [ke:ɾɐɭɐm] (listen)) is a state on the Malabar Coast of India. It was formed on 1 November 1956, following the passage of the States Reorganisation Act, by combining Malayalam-speaking regions of the erstwhile regions of Cochin, Malabar, South Canara, and Travancore. Spread over 38,863 km2 (15,005 sq mi), Kerala is the 21st largest Indian state by area. It is bordered by Karnataka to the north and northeast, Tamil Nadu to the east and south, and the Lakshadweep Sea to the west. With 33 million inhabitants as per the 2011 census, Kerala is the 13th-largest Indian state by population. It is divided into 14 districts with the capital being Thiruvananthapuram. Malayalam is the most widely spoken language and is also the official language of the state.The Chera dynasty was the first prominent kingdom based in Kerala. The Ay kingdom in the deep south and the Ezhimala kingdom in the north formed the other kingdoms in the early years of the Common Era (CE). The region had been a prominent spice exporter since 3000 BCE. The region's prominence in trade was noted in the works of Pliny as well as the Periplus around 100 CE. In the 15th century, the spice trade attracted Portuguese traders to Kerala, and paved the way for European colonisation of India. At the time of Indian independence movement in the early 20th century, there were two major princely states in Kerala: Travancore and Cochin. They united to form the state of Thiru-Kochi in 1949. The Malabar region, in the northern part of Kerala, had been a part of the Madras province of British India, which later became a part of the Madras State post-independence. After the States Reorganisation Act, 1956, the modern-day state of Kerala was formed by merging the Malabar district of Madras State (excluding Gudalur taluk of Nilgiris district, Lakshadweep Islands, Topslip, the Attappadi Forest east of Anakatti), the taluk of Kasaragod (now Kasaragod District) in South Canara, and the erstwhile state of Thiru-Kochi (excluding four southern taluks of Kanyakumari district, and Shenkottai taluks).Kerala has the lowest positive population growth rate in India, 3.44%; the highest Human Development Index (HDI), 0.784 in 2018 (0.712 in 2015); the highest literacy rate, 96.2% in the 2018 literacy survey conducted by the National Statistical Office, India; the highest life expectancy, 77.3 years; and the highest sex ratio, 1,084 women per 1,000 men. Kerala is the second-least impoverished state in India according to the Annual Report of Reserve Bank of India published in 2013. Kerala is the second-most urbanised major state in the country with 47.7% urban population according to the 2011 Census of India. The state topped in the country to achieve the Sustainable Development Goals according to the annual report of NITI Aayog published in 2019. The state has the highest media exposure in India with newspapers publishing in nine languages, mainly Malayalam and sometimes English. Hinduism is practised by more than half of the population, followed by Islam and Christianity. The economy of Kerala is the 8th-largest in India with ₹8.55 trillion (US$110 billion) in gross state domestic product (GSDP) and a per capita net state domestic product of ₹222,000 (US$2,800). The tertiary sector contributes around 65% to state's GSVA, while the primary sector contributes only 8%. The state has witnessed significant emigration, especially to the Arab states of the Persian Gulf during the Gulf Boom of the 1970s and early 1980s, and its economy depends significantly on remittances from a large Malayali expatriate community. The production of pepper and natural rubber contributes significantly to the total national output. In the agricultural sector, coconut, tea, coffee, cashew and spices are important. The state is situated between Arabian Sea to the west and Western Ghats mountain ranges to the east. The state's coastline extends for 595 kilometres (370 mi), and around 1.1 million people in the state are dependent on the fishery industry which contributes 3% to the state's income. Kerala is one of the prominent tourist destinations of India, with coconut-lined sandy beaches, backwaters, hill stations, Ayurvedic tourism and tropical greenery as its major attractions.

Thiruvananthapuram (; Malayalam: [t̪iɾuʋɐnɐn̪d̪ɐpuɾɐm] (listen)), also known by its former name Trivandrum , is the capital of the Indian state of Kerala. It is the most populous city in Kerala with a population of 957,730 as of 2011. The encompassing urban agglomeration population is around 1.68 million. Located on the west coast of India near the extreme south of the mainland, Thiruvananthapuram is a major information technology hub in Kerala and contributes 55% of the state's software exports as of 2016. Referred to by Mahatma Gandhi as the "Evergreen city of India", the city is characterised by its undulating terrain of low coastal hills.The present regions that constitute Thiruvananthapuram were ruled by the Ays who were feudatories of the Chera dynasty. In the 12th century, it was conquered by the Kingdom of Venad. In the 18th century, the king Marthanda Varma expanded the territory, founded the princely state of Travancore, and made Thiruvananthapuram its capital. Travancore became the most dominant state in Kerala by defeating the powerful Zamorin of Kozhikode in the battle of Purakkad in 1755. Following India's independence in 1947, Thiruvananthapuram became the capital of Travancore-Cochin state and remained so until the new Indian state of Kerala was formed in 1956.Thiruvananthapuram is a notable academic and research hub and home to the University of Kerala, APJ Abdul Kalam Technological University, the regional headquarters of Indira Gandhi National Open University, and many other schools and colleges. Thiruvananthapuram is also home to research centers such as the National Institute for Interdisciplinary Science and Technology, Indian Space Research Organisation's Vikram Sarabhai Space Centre, the Indian Institute of Space Science and Technology, National Centre for Earth Science Studies and a campus of the Indian Institutes of Science Education and Research. The city is home to media institutions like Toonz India Ltd and Tata Elxsi Ltd, and is also home to Chitranjali Film Studio, one of the first film studios in Malayalam Cinema, and Kinfra Film and Video Park at Kazhakoottom, which is India's first Infotainment industrial park.Being India's largest city in the deep south, it is strategically prominent and hosts the Southern Air Command headquarters of the Indian Air Force, the Thumba Equatorial Rocket Launching Station and the upcoming Vizhinjam International Seaport. Thiruvananthapuram is a major tourist centre, known for the Padmanabhaswamy Temple, the beaches of Kovalam and Varkala, the backwaters of Poovar and Anchuthengu and its Western Ghats tracts of Ponmudi and the Agastya Mala. In 2012, Thiruvananthapuram was named the best Kerala city to live in, by a field survey conducted by The Times of India. In 2013, the city was ranked the fifteenth best city to live in India, in a survey conducted by India Today. Thiruvananthapuram was ranked the best Indian city for two consecutive years, 2015 and 2016, according to the Annual Survey of India's City-Systems (ASICS) conducted by the Janaagraha Centre for Citizenship and Democracy. The city was also selected as the best governed city in India in a survey conducted by Janaagraha Centre for citizenship and democracy in 2017.